Mortgage lender in Spotsylvania County, VA

Buying in Spotsylvania County

Spotsylvania County, with its county seat in Spotsylvania Courthouse, takes in Fredericksburg area, Massaponax and Lake Anna. Spotsylvania County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Virginia, from our Southampton, PA office.

2026 conforming limit

$1,249,125 (high-cost area)

2026 FHA limit

$1,249,125 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

settlement agent

State housing agency

Virginia Housing (not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Spotsylvania County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Spotsylvania County sits inside the Washington, DC metropolitan high-cost area, so its conforming limit is the FHFA ceiling of $1,249,125 rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Virginia can still be a conforming loan here, with conforming pricing and guidelines.

Spotsylvania County: Fredericksburg’s southern side

Spotsylvania County wraps around the south and west of Fredericksburg. Massaponax and Lee’s Hill, along Interstate 95 and Route 1, are the main suburban areas; Spotsylvania Courthouse is the county seat; Thornburg is at the southern end; and the western part of the county reaches Lake Anna.

The county is counted in the Washington metropolitan high-cost area, so its conforming loan limit is higher than the national baseline, even though prices are lower than in Northern Virginia. Many residents commute north by Interstate 95 or the commuter rail, and nearby military installations bring VA-eligible buyers. At Lake Anna, the question is whether the house will be a primary residence, a second home or a rental, which are different loans. Away from the Route 1 corridor, wells and septic systems are standard.

Spotsylvania County by the numbers

Median home value

$404,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.58% of home value a year: median tax bill $2,347 on a median value of $404,900 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Recordation tax of 25 cents per $100 and a grantor tax of 50 cents per $500; localities may add their own (Va. Code § 58.1-801)

The county median home value is $404,900. The 2026 one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Virginia

Closings in Virginia are typically handled by a settlement agent. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Virginia page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Spotsylvania County buyers ask

Conforming limit shown is the 2026 FHFA figure for Spotsylvania County. FHA limits and state agency caps are set by HUD and Virginia Housing and change periodically. Verify on the official source. Not a commitment to lend.